厘清“避债”误区!保险保单可以被法院执行

券商中国
Aug 09, 2025

近日,多位被执行人名下的人身保险保单被法院划扣,受到业内关注。一些保险销售人员提到的保单“避债”功能真的存在吗?券商中国记者采访多位律师了解到,多地高院文件明确,人身保险保单可以强制执行。原则上,只要被执行人的人身保险存在财产利益的,都有可能被人民法院纳入强制执行财产范围。简而言之,司法实践中,不存在所谓保险保单不能执行的说法。同时需要注意的是,保单实现避债功能有前提条件,保险并不是绝对地可以避债...

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